If your car or bike is submerged in floodwater, it’s essential to understand how to make an insurance claim.
Many vehicles have been affected by rains that have caused flooding in Andhra Pradesh and Telangana.
Here’s what you need to know about claiming insurance for damage caused by floods or heavy rain.
Many states in India are currently experiencing heavy rains, leading to widespread problems and damage to vehicles.
Understanding how insurance policies can provide coverage if your car or bike is damaged or destroyed during heavy rain, floods, accidents, or landslides is crucial. This knowledge empowers you to navigate the insurance process with confidence.
It’s advisable to have insurance in place to avoid financial difficulties resulting from vehicle repairs. Third-party insurance policies cover damage to your vehicle, allowing you to claim car and bike insurance.
It’s important to avoid starting the engine if your car is submerged in water, as doing so can cause further damage.
Additionally, it’s crucial to document the damage by taking photos and videos and gathering relevant news articles about the incident.
This thorough documentation ensures you are prepared and can provide all necessary information when reporting the incident to the insurance company.
It’s worth noting that most comprehensive insurance policies do not cover damage caused by water ingress into the engine.
However, some insurance companies offer add-on covers specifically designed for such situations. Supplementary policies, such as the Engine Protection Cover and Return to Invoice addendum policy, can also provide coverage for vehicle damage.
If your vehicle is washed away in floodwaters, a surveyor from the insurance company will assess the damage.
It’s crucial to provide all necessary information and documentation, including the cost details of the vehicle and a police report if the car is washed away in floodwaters.
In the event of a vehicle loss due to natural calamities, it’s essential to have evidence of the incident and notify the insurance company immediately. The approval of your claim will be based on the nature of your policy and the provided report.